CALIFORNIA INSURANCE ADJUSTER EXAM
2026 COMPREHENSIVE STUDY GUIDE
QUESTIONS CORRECT ANSWERS VERIFIED
A+
⩥ Homeowners Endorsements. Answer: 11 Typical endorsements
• Sinkholes collapse
- Home business
- Water back up and sump discharge or overflow
• Sewer back up
• Earthquake
• Hurricane
• Ordinance or law
- Identity Fraud Expense
• Personal Property (Replacement Cost)
• Inflation guard
• Schedule personal Property
⩥ Dwelling Policy Eligibility. Answer: ■ 1 to 4 unit dwelling with
boarders
■ Vacation dwellings
■ Rental dwellings
,■ Dwellings under construction (endorsement)
■ Mobile homes (endorsement)
■ Farm dwellings NOT eligible
⩥ Dwelling Forms. Answer: DP-1 (basic)
DP-2 (broad)
DP-3 (special)
⩥ DP-1 Basic Form. Answer: Named Peril
Fire, lightning, and internal explosion
⩥ DP-2 Broad Form. Answer: -DP-1 perils, EC perils, and VMM
-Damage by Burglars
-Falling objects
-Weight of ice, snow, or sleet
-Accidental discharge or overflow of water or steam
-Sudden and accidental tearing apart, cracking, burning, or bulging
-Freezing
-Sudden and accidental damage from artificially generated electrical
current
⩥ DP-3 Special Form. Answer: Open-peril coverage to structures:
, ● If a peril is not excluded, it is covered Named-peril coverage to
personal property
● Includes all the perils that the DP-2 "Broad Form" covers
⩥ DP-3 Exclusions. Answer: • Settling, cracking, shrinking, bulging of
patios foundation, etc.
• Damage from insects or Animals.
• Wind or hail damage to antennas, lawns, trees.
• Ice or snow damage to awnings, fences, outdoor structures,
foundations.
⩥ DP Coverage A. Answer: Dwelling, attached structures, service
machines, building materials... not covered construction tools and
damage to the land itself
⩥ DP Coverage B - Other Structures. Answer: - garages or other
detached outbuildings that are separated from the dwelling by a clear
space, or are connected by non-combustible material such as a fence,
utility line, sidewalk, etc.
- 10% of A automatically extended for other structures
- reduces coverage A limit by the amount paid for the same loss in DP-1
ONLY
2026 COMPREHENSIVE STUDY GUIDE
QUESTIONS CORRECT ANSWERS VERIFIED
A+
⩥ Homeowners Endorsements. Answer: 11 Typical endorsements
• Sinkholes collapse
- Home business
- Water back up and sump discharge or overflow
• Sewer back up
• Earthquake
• Hurricane
• Ordinance or law
- Identity Fraud Expense
• Personal Property (Replacement Cost)
• Inflation guard
• Schedule personal Property
⩥ Dwelling Policy Eligibility. Answer: ■ 1 to 4 unit dwelling with
boarders
■ Vacation dwellings
■ Rental dwellings
,■ Dwellings under construction (endorsement)
■ Mobile homes (endorsement)
■ Farm dwellings NOT eligible
⩥ Dwelling Forms. Answer: DP-1 (basic)
DP-2 (broad)
DP-3 (special)
⩥ DP-1 Basic Form. Answer: Named Peril
Fire, lightning, and internal explosion
⩥ DP-2 Broad Form. Answer: -DP-1 perils, EC perils, and VMM
-Damage by Burglars
-Falling objects
-Weight of ice, snow, or sleet
-Accidental discharge or overflow of water or steam
-Sudden and accidental tearing apart, cracking, burning, or bulging
-Freezing
-Sudden and accidental damage from artificially generated electrical
current
⩥ DP-3 Special Form. Answer: Open-peril coverage to structures:
, ● If a peril is not excluded, it is covered Named-peril coverage to
personal property
● Includes all the perils that the DP-2 "Broad Form" covers
⩥ DP-3 Exclusions. Answer: • Settling, cracking, shrinking, bulging of
patios foundation, etc.
• Damage from insects or Animals.
• Wind or hail damage to antennas, lawns, trees.
• Ice or snow damage to awnings, fences, outdoor structures,
foundations.
⩥ DP Coverage A. Answer: Dwelling, attached structures, service
machines, building materials... not covered construction tools and
damage to the land itself
⩥ DP Coverage B - Other Structures. Answer: - garages or other
detached outbuildings that are separated from the dwelling by a clear
space, or are connected by non-combustible material such as a fence,
utility line, sidewalk, etc.
- 10% of A automatically extended for other structures
- reduces coverage A limit by the amount paid for the same loss in DP-1
ONLY
